In general, the documentation you will need includes:Check for application fee
Property Information (if you already have a contract on a house)Purchase Agreement.Copy of legal description and MLS sheet.If you are selling your current home, copy of listing contract.If you have sold your current home, copy of settlement statement (HUD-1).
Income & AssetsPay stubs for the last 30 days.
For the past two years:Names and addresses of each employer.W-2sStatements for each bank, mutual fund, and/or investment account for the last three months.Estimated value of personal property and furniture.
If you have made any large deposits to your accounts:Explanation and source for deposit.
If large deposit was a gift:
Signed gift letter (lender can supply).Copy of gift check.Copy of deposit receipt.
If you own more than 25% of a business:Corporate or partnership tax returns.
If self-employed:Tax returns for the last three years (with schedules).Year-to-Date Profit and Loss Statement prepared by an accountant.
If you own rental propertyTax returns for the last two years and current rental agreements.
If you are retired:Pension Award Letter.
If you receive Social Security:Social Security Award Letter.
If you are counting child support as income:Copy of divorce settlement.Copy of twelve months of cancelled child support checks.
DebtsNames, addresses, account numbers, balances and monthly payments on all current loans.Explanation of credit report anomalies, including:Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).
VA LoansCopy of DD Form 214, Report of Separation.
MiscellaneousPhoto ID and proof of Social Security number.Residence addresses for the past two years.If applicable, a copy of your divorce decree.If you are not a citizen, a copy of the front and back of your green card.
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